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Market MapNew YorkOntario

Ontario County

New YorkPopulation: 112,288
67
/100
Buy
#222 of 1,000 counties
#23 in New York (62 counties)

Market Snapshot

$306,113
Median Home Price
12% above national median
$1,719/mo
Median Rent
15% above national median
6.74%
Rent-to-Price Ratio
Top 28% nationally
-$487
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$306,113
Down Payment (20%)$61,223
Loan Amount$244,890
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,719
Monthly P&I-$1,605
Est. Expenses (35%)-$601
Net Cash Flow-$487/mo
4.4%
Cap Rate (all cash)
-8.3%
Cash-on-Cash Return
6.74%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.4% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
67/100
67
Cash Flow(30%)
67/100

Based on 6.74% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
82/100

Based on 3.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
70/100

Price-to-income ratio of 4.0x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (6.74%)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$487/mo)
  • -Negative leverage (cap rate 4.4% < mortgage rate 6.9%)

Economic Indicators

Population
112,288
Median Income
$76,603
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
4.0x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
LivingstonNY
68$234,675Est. pending—BuyView
MadisonNY
68$246,228$1,2776.22%BuyView
CurrentOntarioNY
67$306,113$1,7196.74%Buy
WayneNY
67$236,511$1,2036.11%BuyView
FultonNY
66$208,433$1,1136.41%BuyView
TompkinsNY
65$341,889$2,2337.84%BuyView

The Bottom Line

BuyOntario offers solid investment potential with good cash flow or appreciation prospects.

Ontario County in New York scores 67/100, ranking #222 of 1,000 US counties (top 22%). The 6.74% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-487/mo
Cap Rate
4.4%
Cash-on-Cash
-8.3%

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